基本都是网上checking account bill pay. I have set up all vendors (payers) in my online banking. For recurring payments with the same amount every month, I choose the repeating pay option. The amounts will be automatically deducted from my account on the date of chosen. Other bills, however, I usually review them before I pay them, just to make sure I didn't get over-charged for any reason. Online bill pay is proven to be cost and time efficient.